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Tag: choices

Let’s discuss Health Insurance. Health insurance companies are not in business to take care of you. They are not in business to make sure that you receive all of the health care you need. They are in business to make money. Publicly traded health insurance companies need to make money for their stockholders, too.

Don’t fool yourself into thinking that you really have much of a say in your health care, either. It’s a myth. Oh, sure, you can pick your doctor, but he or she will pretty much only provide medical care covered by your health insurance. If they want to do an expensive test, pretty much they need a health insurance company’s permission to run it. Want that new expensive drug? Either pay for it out of your own pocket or hope that your health insurance prescription plan will cover it.

Arguments against Obama’s Health care plan were mostly either: I don’t want the government controlling my health care or I don’t want mandatory insurance. I believe I’ve previously discussed the latter of the two. Basically, I support mandatory insurance. It helps all of us. If everyone is covered, then none of us have to pay for someone who received care without payment. In addition, without mandatory insurance, you can’t have a law that prevents insurance companies from rejecting people for pre-existing conditions without making health insurance mandatory.

I understand the idea that government control over something is scary. Oh, big brother is watching you. The government is watching you.

It’s a joke.

We don’t want the government to put up intersection cameras, but we shop in stores where – with few exceptions – we’re videotaped.

We don’t want the government to negotiate the price for health insurance, but we turn over our choices to our employers. If you’re employed and you have insurance, you did not make the choice regarding anything about the insurance. If your employer is self-insured, as many are today, you’re really not making any choices at all.

Yes, most employers have two tiers of plans, so you make a choice there. Yes, you’re making to take your employer’s coverage, but that’s pretty much it.

To honestly believe that you have a serious choice in your health care and it is all between you and your doctor – if this is the reason you’re against Obamacare – you’re just fooling yourself. The treatment you receive is all about the deal between your doctor and your insurance company.